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MCA Refinance

Already have an advance? That is not a dead end.

An existing advance on your bank statements does not automatically mean decline. We review the full picture and can restructure or buy out an existing position.

Apply Now →How It Works
2–4 hrsDecision
ExistingPositions considered
NoTax returns
Same dayFunding available

What we look at

Most funders decline the moment they see an open advance. We look at whether the business can carry a restructured obligation — which is a revenue and bank-activity question, not a reflex.

Existing advances considered, not an automatic decline
Restructure or buyout options reviewed per file
4-minute application, no tax returns
Decision in 2–4 hours
500+ FICO accepted

Disclose every existing position at application. It shows on your bank statements regardless, and disclosing it up front gets you a faster, more accurate answer.

How it works

1. Apply online

A 4-minute application. Basic business information. No tax returns required.

2. Submit statements

Three months of business bank statements and ID. Upload securely.

3. Decision in 2-4 hours

A specialist reviews the file and matches you to the right funding product.

4. Funded

Most files complete the entire process, application to funds in the account, in under 72 hours.

Common questions

Can I get funded if I already have an advance?

Yes, existing positions are reviewed rather than treated as an automatic decline.

Should I disclose my existing advance?

Yes, always. It is visible on your bank statements and disclosing it up front speeds up the decision.

How fast is the decision?

2 to 4 hours.

Do I need tax returns?

No.

Access $5K to $5M in business funding

Decisions in 2–4 hours. Same-day funding available. No tax returns required to apply.

Apply Now →